Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$155,909Cash toward the purchase price.
Closing costs + prepaids$16,851Not just lender fees.
Before credits & paid funds$172,759The complete starting cash picture.
Estimated remaining funds due at closing
$172,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,908.62
Your down payment$155,908.62
Closing costs + prepaids$16,850.75
Total buyer cash needed$172,759.37
Remaining funds due$172,759.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$667.50
Prepaid interest, first (31 days)$2,958.25
Fees + prepaids$16,850.75
Your down payment is the seller’s equity. You take over the $519,091 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $172,759.37 is due at closing. Uses and sources reconcile at $691,850.75 each. Not a Closing Disclosure.